I called my HMO (United Healthcare) last night and got the skinny on how the birth is covered. The part that worries me is that while it's a percentage for the provider's fee, and a flat rate for my hospital stay, it's a percentage (they pay 80% and I pay 20%) for the baby's hospital stay as well. I have no idea at all how much to expect that'll be, and it worries me a little because if there are complications with her, then what? I know we'd eventually hit the out-of-pocket max but I'd kind of prefer not to, you know? They do have an estimator on their website but it's telling me it thinks it'll be $50, and that the care is administered in an office, so I am not sure it's correct.
Obviously all plans and providers are a little bit different, but I was wondering if anybody could volunteer me a ballpark figure for the costs of baby's stay in the hospital? I'm just trying to figure out if I want to plan for paying 20% of $100, or 20% of $2000, or somewhere in the middle.
(I'm debating putting the "I do not consent to" language in my birth plan, which I didn't initially have in there, but as if I didn't want certain procedures for baby already, now I want them even less, and if I've stated up front that I don't want them, then it would probably be easier to get out of paying for them if they charge me.)